For those of you that have taken a real version of this test, are you allowed a calculator or scratch paper?

I was able to get 14 out of 15 but trying to do this without a calculator, I spent WAY too much time on the investment question doing the math in my head and finally gave up on the number of pages / font size question without a calculator. So I could definately see where a guy could get hung up on a couple questions and not get through everything in time. But if you're able to use a calculator for some of the more complex problems, and these represent an accurate difficulty level of the average test, I don't see how any HS graduate with either some college experience (or even a degree) could miss more than half of these even with the time factor.